It’s costly to be near the waterfront – the top 10 most expensive zip codes are all coastal.

90210 may arguably be America’s most famous zip code; associated with fancy cars and even fancier homes, those five numbers are known to symbolise wealth and prestige – but it’s not the only zip code to do so.

To rank the list, they determined the most expensive zip code according to median home values for April 2018, sourced from Zillow. They then compared the monthly cost-of-living for one person based on housing, groceries, utilities, transportation costs, and healthcare expenditures. Housing costs were sourced from Zillow, while the other four costs were pulled from the Bureau of Labour Statistics.

The monthly costs were combined and multiplied by 12 to get the annual cost of necessities in each zip code. Following the 50-30-20 budgeting guideline, the cost of necessities was doubled to find the amount of income one needs to live comfortably in each zip code, which determined the list rankings. Thus, necessities made up 50% of the yearly income, splurges made up 30%, and savings comprised 20%.

The top 10 most expensive zip codes all happen to be coastal areas.

Below, see the annual income you need to live in the most expensive zip code in every state, ranked from lowest to highest.